Welcome to Credit Counsellor. We are a lead generation service.
We do not provide debt advice and we are not authorised or regulated by the Financial Conduct Authority.
If you submit your details, we may pass your information to FCA-authorised debt advice firms who can provide regulated advice based on your individual circumstances.
We may receive a referral fee from our partners if you choose to proceed with their services. This does not increase the cost to you.
Learn about debt solutions and be connected with authorised advisers.
You need support, Reduce anxiety, Minimizing sleepless nights.
- Find the right solution
- Connect with FCA-authorised advisers for regulated advice.
- Write off unaffordable debt
- Excellent Reviews
- Lower your debt repayments
Testimonial reflects experience with our authorised partner advisers.
Excellent
Fantastic company to deal with!
From start to finish a great job from the team
Super company to deal with
Communication is Brilliant
Thank you Staff
I had the pleasure to deal with Joseph,
Samantha was awsome!
Amazing Top Class Service
IVA
Individual Voluntary Arrangements, or IVAs, were introduced by the Government to help people who can’t afford to repay debts above £6,000. Affordable payments over a fixed term of 60 months. An IVA could write off a portion of your debt if agreed by 75% of your creditors.
Debt Management
Debt Management involves negotiating agreements with your Creditors to make reduced payments to them each month, usually with the help of a Debt Management company.
Debt Consolidation
Debt Consolidation can make things much simpler for you. It allows you to put your debts in one place and deal with multiple creditors at once.
We're Committed To Helping You Get Debt-Free
Complete our online form
Private & Confidential
The first step always feels like the hardest, but you’ve come to the right place
Talk to the Team
without any judgement
Tell us about your situation, Our associates will tell you exactly what help you may be entitled to
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No obligation service
We will provide you with general information about how our service works and, if you choose, offer to introduce you to one of our FCA-authorised partners for a free, no-obligation advice call.
We do not provide regulated debt advice ourselves.
Credit Counsellor
We understand that speaking to someone about financial difficulties can feel overwhelming. Taking the first step to complete the form is a positive move.
Click “DEBT HELP” to begin. A member of our team will collect some initial information and, where appropriate, may connect you with an FCA-authorised debt advice firm who can provide regulated advice based on your individual circumstances.
Credit Counsellor Tips
To read general information about potential debt solutions and how they work, you can visit the information pages provided by Credit Counsellor.
We provide general information only and do not offer regulated debt advice
If you have fallen behind on priority bills or are facing urgent action — such as court proceedings, utility disconnection, repossession, or contact from enforcement agents — it is important to seek regulated debt advice as soon as possible.
You can contact us for general information about how our service works. If appropriate, and with your consent, we may introduce you to an FCA-authorised debt advice firm who can provide a full assessment of your circumstances and explain the options available to you.
We do not provide regulated debt advice ourselves.
If your situation is urgent, you may also wish to contact a free independent debt advice charity directly for immediate support.
Creating a budget can help you understand your financial position by setting out your income and essential household expenditure. This may help you identify how much, if anything, you have available each month to put towards your debts.
You may wish to prepare a list of your creditors, including the balances owed and payment due dates. Keeping a record of this information can help you stay organised and reduce the risk of missed payments.
If you are unsure about the debts recorded in your name, you may be able to obtain a copy of your credit report from a credit reference agency. If you choose to be referred, an authorised firm may also carry out a soft credit search as part of their assessment process, with your consent. A soft search does not affect your credit score and is not visible to other lenders.
We provide general information only and do not offer regulated debt advice.
Reviewing your regular household spending may help you identify areas where savings could be made. This might include checking whether you are paying for subscriptions you no longer use or reviewing your current tariffs with service providers such as phone, energy or internet suppliers.
You may wish to use independent comparison websites to explore alternative providers and pricing. It is important to carefully review terms and conditions before making any changes.
Depending on your circumstances, you may be eligible for certain benefits, grants or support schemes. You can check eligibility through official government or local authority websites.
Some individuals also consider ways to increase income, such as overtime or additional work, where appropriate. Any decision should take into account your personal circumstances.
We provide general information only and do not offer regulated financial or debt advice.
You can visit our Debt Solutions page for general information about the different options that may be available. We outline key features, potential benefits and risks to help you better understand how each solution works.
Debt solutions have different eligibility criteria, risks and long-term implications. It is important to carefully consider how any option may affect your individual circumstances. You may also wish to discuss your situation with family or a trusted person before making any decisions.
If you would like to speak to us, you can contact our team or request a call back. We will explain how our service works and, if appropriate, offer to introduce you to an FCA-authorised firm who can provide a full advice assessment.
We provide general information only and do not offer regulated debt advice.
Taking steps to address your financial situation can help you better understand the options that may be available to you.
By contacting us, we can explain how our service works and provide general information about potential debt solutions. If appropriate, and with your consent, we may introduce you to an FCA-authorised firm who can assess your individual circumstances and provide regulated advice.
Debt solutions have eligibility criteria and may not be suitable for everyone. They can have long-term implications, including an impact on your credit file and, in some cases, your assets.
Seeking information early may help you make informed decisions about how to manage your debts. There is no obligation to proceed with any solution.
The information we provide is free of charge. We do not charge any upfront fees for using our service.
We provide general information only and do not offer regulated debt advice. If you choose to proceed, we may introduce you to an FCA-authorised firm for a full assessment of your financial circumstances and advice on the options that may be available to you.
If you decide to enter into a debt solution such as an Individual Voluntary Arrangement (IVA) or a Debt Management Plan (DMP), fees may apply. These fees are charged by the provider of the solution and will be explained to you before you agree to proceed. In some cases, fees may be incorporated into your agreed monthly payments.
Other solutions, such as Bankruptcy or a Debt Relief Order, may involve application or administration fees set by legislation or the relevant authority.
Debt solutions have eligibility criteria and may not be suitable for everyone.
We are a debt help lead generation company. With your consent, we collect your information and may introduce you to authorised and regulated firms who can provide a full advice call. We may receive a referral fee if you choose to proceed with a solution. There is no obligation to enter into any arrangement, and you are free to seek advice elsewhere.
Find out how different debt solutions operate and what they involve.
- Bailiffs taking recovery action
- Missing out on family day out and holidays.
- Paying interest and not being left with anything at the end of the month.
- Buying things which you always wanted to.
- Cards being declined at the till.
- Demanding creditors with phone calls and collection visits.
- Being able to cover bills and emergency costs which could arise.
We understand that speaking to someone about financial difficulties can feel overwhelming. Taking the first step to complete the form is a positive move.
Click “LEARN MORE” to begin. A member of our team will collect some initial information and, where appropriate, may connect you with an FCA-authorised debt advice firm who can provide regulated advice based on your individual circumstances.
Types of Debts & Much More
Credit Cards
Loans
Overdrafts
Business Debt
Guarantor
Council Tax
Bailiff Debt
Court Orders
Let's say you owe...
- 11,152
- 2,226
- 302
- 2,395
- 648
- 1,408
- 172
Let's say you owe...
- 18,303
Typical example of a customer situation in March 2023 referred to our regulated partners.
Customer monthly Repayments Reduced.
Before a Solution
- 610
After a solution
- 122
Monthly payment are based on individual financial circumstances & eligibility
Click “GET IN TOUCH” to start your journey, one of our friendly team will then be in touch to give you all the information you need to deal with your enquiry and refer you to one of our regulated associate experts.
Potential Benefits of a Debt Solution
Life Benefits
- No more borrowing from friends & family
- potentially Stop the stress of bills you can't pay
- Get rid of those Payday loans
- No running out of money so soon after pay day
Financial Benefits
- One affordable low monthly repayment
- Freeze all interest and charges (not applicable with all the solutions)
- No upfront costs
- potentially Stop nasty phone calls from creditors